1.
To Study the Awareness of PMMY Loans Among Women Entrepreneurs
A. Overall Awareness Levels
1. What is the overall level of awareness of PMMY (Pradhan Mantri Mudra Yojana)
loans among women entrepreneurs
2. What is the level of awareness about PMMY loan schemes among women
entrepreneurs in different types of businesses (micro, small, home-based, rural, urban)
B. Sources and Channels of Information
3. What are the primary sources or channels through which women entrepreneurs learn
about PMMY loans
4. How effective are these information channels in spreading awareness about PMMY
5. What role do banks, government agencies, and local entrepreneurship networks play
in spreading PMMY awareness among women
6. How does digital exposure (social media, government portals, online banking)
influence women’s awareness of PMMY
C. Understanding of PMMY Scheme
7. To what extent do women entrepreneurs understand the eligibility criteria, benefits,
interest rates, and application procedures of PMMY loans
8. How accurately do women entrepreneurs understand the categories of PMMY loans
(Shishu, Kishor, Tarun)
D. Factors Influencing Awareness
9. What personal, social, or institutional factors influence awareness and understanding
of PMMY among women entrepreneurs
10. How do socio-economic factors (education, income, digital literacy, family
background) affect women’s awareness of PMMY
11. How does prior experience with bank loans affect awareness and trust in PMMY?
12. Are women who belong to entrepreneurial groups or SHGs (Self-Help Groups) more
aware of PMMY compared to individual entrepreneurs
13. How does cultural or family support impact the awareness and acceptance of PMMY
among women entrepreneurs
E. Perceptions and Attitudes
14. What are the perceptions and attitudes of women entrepreneurs toward PMMY loan
schemes
15. How do women entrepreneurs perceive the transparency, accessibility, and credibility
of PMMY loan processes
F. Barriers and Challenges
16. What challenges or barriers do women entrepreneurs face in gaining awareness of
PMMY loan schemes
17. What barriers do they face in accessing PMMY loans even when aware
G. Outcomes and Impact of Awareness
18. Does awareness of PMMY loans lead to increased loan uptake among women
entrepreneurs
19. How does PMMY awareness influence business decisions such as expansion or
starting a new enterprise
20. Does increased awareness of PMMY correlate with higher utilization of Mudra loans
21. What is the relationship between PMMY awareness and women’s financial
independence or confidence levels
H. Communication & Improvement
22. How effective are government promotional activities in creating awareness about
PMMY loans among women entrepreneurs
23. What improvements in communication or outreach strategies can increase PMMY
awareness among women
2 .TO analyse the problems faced by women entrepreneur in availing the PMMY loans
A. Awareness & Motivation
1. How did you first learn about the PMMY loan scheme for women entrepreneurs?
2. What motivated you to apply for a Mudra loan instead of other financing options?
B. Pre-Application Challenges
3. Did you find it difficult to identify the correct bank or financial institution for
submitting your loan application?
4. Were you confident about the business activity you wanted to finance through the
PMMY loan?
5. Did you face challenges in arranging a business plan or project proposal before
applying?
C. Interaction With Banks
6. Did bank officials provide clear guidance on the loan amount suitable for your
business
7. Did you feel comfortable discussing your business needs with the bank staff
8. Did the bank require multiple visits for the loan process, and did this cause
inconvenience
D. Documentation & Verification
9. Did you face issues accessing or updating your KYC documents required for the
loan?
10. Was the field verification or inspection process smooth, or did it create additional
hurdles?
E. Approval & Disbursement Issues
11. Did the bank clearly communicate the reasons if your loan amount was reduced or
modified
12. Was the loan disbursement timely, or did delays affect your business plans
13. Were you required to submit additional documents not mentioned initially
F. Scheme Knowledge & Financial Literacy
14. Did you fully understand the subsidy, interest rate, or repayment conditions before
signing the loan agreement
15. Did you receive any financial literacy training or support related to PMMY from the
bank or government
G. Gender-Specific Challenges
16. Did you feel that gender biases or stereotypes influenced the bank’s decision-making
process
17. Did family members or society question your decision to take a PMMY loan
H. Post-Loan Challenges
18. After receiving the loan, did you face difficulties using the funds due to banking
restrictions or rules
19. Did you receive any follow-up support or guidance from the bank after the loan was
sanctioned
I. Suggestions for Improvement
20. What improvements in the PMMY process would make it easier for women
entrepreneurs to access loans?
3. TO assess the satisfaction level of women entrepreneur in enhancing their business
using PMMY loan
A. Awareness & Expectations
1. How clear were your expectations regarding how the PMMY loan would help your
business before availing it?
2. How satisfied are you with the information you received about the benefits of PMMY
for business enhancement?
B. Loan Utilization
3. How effectively were you able to use the PMMY loan for your intended business
purpose?
4. How satisfied are you with the flexibility provided in using the loan amount for
various business needs?
C. Business Growth & Performance
5. To what extent has the PMMY loan helped increase your business revenue or sales?
6. How satisfied are you with the growth in customer reach or market expansion after
availing the loan?
7. How effectively did the loan help you in purchasing equipment, stock, or other
essential business resources?
8. How satisfied are you with the improvement in daily operations after taking the
PMMY loan?
D. Skill Development & Confidence
9. Did the PMMY loan enhance your confidence in managing or expanding your
business?
10. How satisfied are you with any skills or capabilities you gained while managing loan-
funded activities?
E. Financial Stability
11. To what extent has the PMMY loan contributed to improving your business’s
financial stability?
12. How satisfied are you with the loan’s impact on your ability to handle financial risks
or uncertainties?
F. Repayment & Financial Terms
13. How satisfied are you with the repayment schedule provided under PMMY?
14. How fair and manageable do you find the interest rate associated with your PMMY
loan?
15. How satisfied are you with the support provided by the bank during repayment?
G. Overall Satisfaction
16. How satisfied are you with the overall impact of the PMMY loan on your business
development?
17. How likely are you to apply again for a similar government financial scheme?
H. Comparative Benefits
18. Do you feel the benefits of PMMY are better than other credit options available to
you?
19. How satisfied are you with the long-term benefits that the PMMY loan has brought to
your business?
I. Suggestions
20. What additional services or improvements would further increase your satisfaction
with the PMMY loan?